Annual comprehensive travel insurance plans do not offer the same coverage as purchasing plans for each trip.  They do not work well for us and I suspect they are not a good choice for many people.  That said, there are situations where they can be a good value.  A typical scenario where the annual plans can work well is: you take a lot of relatively inexpensive trips, have no pre-existing conditions and have good medical coverage outside of the US (even with a big annual d
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